FITZGERALD, J.
The issue on appeal is whether plaintiff suffers from a "confining sickness," as defined by a policy of health and accident insurance issued to him by defendant Federal Life and Casualty Company. The policy was issued to plaintiff in September of 1966 for an annual premium of $201.50. The controversy concerns § 3D of the policy which provides the following coverage:
"Policy section 3
* * *
"D. Total Disability —...
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